At a glance
Six phases, run in order. Each one produces a deliverable Peach Pilot can review before we move on. The last phase is where the solution starts.
Consolidate the Data
Lock one validated source of truth, define a chargeback precisely, and split annuities out from the life book.
Chargeback Foundation
Set a baseline everyone trusts: current rate by count and by dollars, plus the trend over time.
Identify the Hot Spots
Break the rate down by carrier, product, state, payment mode, agent, tenure, and time to chargeback.
Hypothesis Testing
Turn hot spots into hypotheses, test each for significance, and separate real drivers from noise.
Prioritize Focal Points
Rank the validated drivers by impact and by how much we can actually change them.
Production Start
Turn the top lever into a pilot charter with a target metric and a live dashboard. The build begins.
Consolidate the Data
Agree on exactly what data we can use and consolidate it into a single source of truth for future analysis.
Steps
- Retrieve raw and formatted data from SafeLife and Fintary.
- Consolidate the data into a single location.
- Validate the completion and truth of the data across sources.
- Define a chargeback precisely: a labeled, net negative clawback.
- Note issues in the source data separately.
Source data issues flagged
| Issue in the source data | Solution |
|---|---|
| Same policy in two number formats | Merge to one record per policy |
| Duplicate policy rows | Collapse to one per policy |
| Agency and house accounts mixed in | Exclude from chargebacks |
| Repeated chargeback lines | Remove the duplicates |
| Chargeback dated before the sale | Flag for review |
Each issue is flagged in an audit column, and large issues are recorded separately.
Chargeback Foundation
See where we've been, where we are, and where we are going. Gathering baseline statistics.
Steps
- Calculate the current chargeback rate by policy count and by commission dollars.
- Plot important trends across and within the past 12 months
- Analyze the dollar impact and highlight where it lands (agents vs SafeLife).
- Calculate recovered dollar amount at target chargeback level.
- Begin identifying notable patterns such as sale-to-chargeback timing and chargeback amounts.
Baseline today
| View | Rate |
|---|---|
| Full book, by count | ~32% |
| 2026 sales, by count | ~23% |
| By commission dollars | ~26% |
| Total clawed back | $1.24M |
Identify Hot Spots
Dig deep into all potential causes of chargebacks and identify areas of focus.
Steps
- Break down chargeback rates with respect to measurements in the source data.
- Isolate specific segments that exhibit unusually high correlation to chargeback rates.
- Rank segments relative to their chargeback rates.
- Speak with agents on the call floor to hear their stories.
- Prepare hypotheses for each hot spot, to be tested in the next phase.
Hypothesis Testing
Rigorously test hypotheses to separate real drivers from coincidence. Look for the story in the details.
Steps
- Form a clear hypothesis for each hot spot from the previous phase.
- Test each hypothesis for statistical significance against the source data.
- Control for overlapping factors so one cause is not mistaken for another.
- Separate real drivers from coincidence and random noise to determine the path moving forward.
Validation step
- Computation over claim.
- Run every candidate driver through an adversarial review.
- All claims must be supported with cited evidence.
- Any debunked theories go on a discard list, with the reason.
Prioritize Focal Points
Begin turning validated drivers into a ranked action shortlist for later solution development.
Steps
- Score each driver by impact: the chargeback dollars and policies it explains.
- Investigate how existing solutions can realistically change each driver.
- Brainstorm potential ways to address each lever, note overlap.
- Rank the levers into a shortlist of where to act first.
Scoring shape
| Lever | Impact | Can we change it |
|---|---|---|
| Driver A | High | High |
| Driver B | High | Medium |
| Driver C | Medium | Low |
Illustrative only. Real levers from Phase 4.
Production Start
Begin building, aimed at the top one or two validated levers with highest impact and coverage. Handoff from analysis into production.
Steps
- Turn the top levers into a concrete pilot product.
- Set the success metric up front: the chargeback rate change we expect.
- Consider integration with pre-existing Peach Pilot solutions.
- Set the pilot guardrails and the review cadence.
Transfer to Production
- A pilot charter ready to build.
- A measurable target tied to the 5% goal.
- A system to monitor the pilot's progress.